Savings & Checking Accounts at Northwest Community Credit Union

The Pacific Northwest knows how to save for a rainy day.

Much like every journey begins with a single step, every savings goal starts with that first account. To help you towards whatever your savings goals may be, we start every member off with at least one savings account. If you have a goal, we have a solution to get you there.

Become a Member

Already a member?
Open a New Account

Secure your phone, identity, and credit score with Northwest Secure™ Checking.

See What's Covered

Get to Know Our Options for Saving & Spending Wisely

Savings Accounts

Good interest rates, no monthly fees, and instant access to funds.

Open a Savings Account

Regular Savings

All NWCU members start with a regular savings account.

Min. to Open	Rates
$10	Up to 0.10% APY	View rates

Tomorrow Savings

Open additional savings accounts for different savings goals.

Min. to Open	Rates
$1	Up to 0.10% APY	View rates

IRA Savings

Save with the tax benefits* of an IRA.

Min. to Open	Rates
$250	Up to 0.20% APY	View rates

*Consult a tax professional about the advantages of an IRA.

Member Fees and Charges

Checking Accounts & Debit Cards

Easy checking options with no fees or minimum balance requirements.

Open a Checking Account

All checking accounts include a debit card featuring beautiful northwest scenery.
Perks include smartphone check deposits and secure mobile payments through Apple Pay ®, Google Pay™ and Samsung Pay®.
Our Round Up & Save feature rounds up every debit card purchase to the nearest dollar and puts the funds in your savings. Save without a second thought!
Keep your Northwest Visa® cards safe and secure with CardValet® app—control your card’s access, spending limits, and more!

Northwest Checking™

Earn interest when you meet the monthly qualifications.

Qualifications	Interest Rates	Annual Percentage Yield
Qualifications Met*	0.300%	0.30% APY	View rates
Qualifications Not Met*	0.000%	0.00% APY	View rates

*To meet the qualifications to earn interest on the Northwest Checking Account, you must meet all monthly qualifications: 1) Five (5) settled debit card transactions; 2) One (1) Direct Deposit or ACH Deposit; 3) One (1) login to Internet Banking OR Mobile Banking; and 4) active enrollment in eStatements.

Northwest Secure™ Checking

Northwest Secure checking offers everything you get with Northwest Checking. For a low cost of $4.00 per month, you'll also get a complete suite of identity theft detection and recovery benefits to protect more than your money.

These features include:

Proactive ID theft monitoring services
Identity theft recovery services
Mobile device protection

See more details or sign in to the nxg|PROTECT site.

Note: MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTION BEFORE THE SERVICES ARE ACTIVE. Proactive Monitoring Services are applicable to individuals age 18 and older who have a valid credit file. Credit Services are provided by TransUnion®, subject to change. The credit score provided may not be consistent with the score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.

Northwest Passage Checking

Northwest Passage Checking gives you all the convenience of a checking account without earning interest.

Interest	Annual Percentage Yield
0.000%	0.00% APY	View rates

Member Fees and Charges

Money Market Accounts

Higher earnings with instant access to funds and no long-term commitment. Plus, no monthly fees.

Super Investor's Money Market Account

Keep your savings liquid while earning on your balance.

Min. to Open	Rates
$2,500	0.10% to 1.00% APY	View rates

Super Investor's IRA Money Market

The benefits of liquidity with the added tax advantages of an IRA.*

Min. to Open	Rates
$2,500	0.15% to 1.05% APY	View rates

*Consult a tax professional about the possible tax benefits of an IRA.

Member Fees and Charges

Certificates of Deposit (CDs)

Since they offer higher interest rates, you actually earn money while saving with CDs. For short or long term savings goals, it just makes sense.

Open an Account

Certificates of Deposit

From 90 days to 5 years, our traditional CDs offer a lot of choices. Rates effective as of October 30, 2018.

Term Lengths	Min to Open	Rates
3–60 months	$500	0.40% to 2.00% APY Range	View rates

Variable Rate Add-On CDs

Allows you to "Add-On" at any time, with variable rates to help keep current. Rates effective as of July 9, 2018.

Term Lengths	Min to Open	Rate
24 months	$500	1.30% APY	View rates

Member Fees and Charges

Save to Win CD

Save your money and be entered in monthly and quarterly prize drawings every time you deposit $25.

Save to Win CD—Every $25 deposited gets you an entry for monthly drawings from $25 and quarterly drawings from $100–$5,000.*

Term Lengths	Min. to Open	Rate
12 months	$25	0.90% APY	View rates and Official Rules

*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member.

How It Works:

Members must be 18 or older and a resident of Save to Win participating states.
Minimum opening deposit and minimum balance is $25.
Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments.
You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.
You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.
Any money you win from the prize drawings is yours and will be disbursed into your primary savings account. It may be subject to tax reporting. Fees may reduce earnings on the account.
Odds of winning depend on number of entries received. Sponsor: Northwest Community Credit Union, PO Box 10607, Eugene, OR 97440.

Call (800) 452-9515 or visit a local branch to open a Save to Win account today.

Member Fees and Charges

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts help you build a bigger nest egg with higher interest rates and tax advantages. Start saving now for a sweeter future.

IRA Savings

Save with the tax benefits* of an IRA. Rates effective as of July 9, 2018.

Min to Open	Rate
$250	Up to 0.20% APY	View rates

Super Investor's IRA Money Market

The benefits of liquidity with the added tax advantages of an IRA.* Rates effective as of July 9, 2018.

Min to Open	Rate
$2,500	0.15% to 1.05% APY	View rates

IRA (Traditional & Roth) CDs

The benefits of liquidity with the added tax advantages of an IRA.* Rates effective as of March 1, 2019.

Min to Open	Term Lengths
$500	3 months to 60 months	View rates

IRA (Traditional & Roth) Variable Rate Add-On CDs

The benefits of liquidity with the added tax advantages of an IRA.* Rates effective as of July 9, 2018.

Min to Open	Term Lengths
$500	24 months	View rates

* Consult a tax professional about the benefits of an IRA.

Call (800) 452-9515 or visit a local branch to open an IRA today.

Member Fees and Charges

Youth Banking

Set up the next generation with youth accounts, including savings and checking.

Open an Account

Youth Share Savings

Open with a minimum deposit of just $1. Once a child has a Youth Savings Account, he or she can choose to participate in our Sprout Savings program™ . (0–17 years)

Balance	Rates
$0.01 to $99.99	0.000% interest rate	0.00% APY	View rates
$100+	0.100% Interest Rate	0.10% APY	View rates

Youth Northwest Checking

Available for 13- to 17-year-olds with a parent/guardian co-signer.

Qualifications	Rates
Qualifications Met*	0.300% Interest Rate	0.30% APY	View rates
Qualifications Not Met*	0.000% Interest Rate	0.00% APY	View rates

Youth Certificates of Deposit (CD)

Open with as little as $100, with unlimited additional deposits for the lifetime of the CD. (0–17 years)

Term Lengths	Balance	Rates
12 months	$100+	0.995% Interest Rate	1.00% APY	View Rates

Member Fees and Charges

Manage Your Money Online

Keep track of your money from any desktop, tablet, or mobile device.

eBanking

eBanking allows you to do your banking whenever it's convenient for you. You can:

check your balances
pay your bills
transfer money
set up automatic phone, text, or email alerts
deposit checks using your mobile device

You can access eBanking through this site or download our mobile app (available for Apple or Android) to do everything from your smartphone or tablet. The mobile app has the added benefit of allowing you to deposit checks by taking a picture with your mobile device.

Get Started with eBanking

eStatements

Getting your statements online is a smart move. By opting in to eStatements, you:

may be eligible for additional discounts on certain loans
keep your statements secure because they'll never get lost or stolen in the mail
cut down on paper used to print mailed statements

BillPay

Our eBanking offers you BillPay, which makes sure you'll never miss a bill again! You can pay bills automatically every month or log in and pay them manually. BillPay also allows you to transfer money to friends and family, even if they're not NWCU members.

Learn How to Use BillPay

Android Pay™, Apple Pay™, and Samsung Pay®

Our mobile pays allow you to set up any NWCU debit or credit card and pay with your mobile device. It's more secure than using your card because mobile pays don't pass your card information to retailers.

Learn More About Mobile Pays

CardValet®

This handy app allows you to manage any NWCU credit or debit card. You can:

turn your card on/off
set spending limits for certain retailers
restrict purchases to your geographic location
decline purchases and detect fraud earlier

Learn More About CardValet

Electronic Services Agreement

Savings with every swipe.

Use Round Up & Save to add to your savings every time you use your debit card.

See the Details

Certificate Option	Balance	Interest Rate	Annual Percentage Yield
3-month CD	$500+	0.399%	0.40%
6-month CD	$500+	0.797%	0.80%
12-month CD	$500+	0.995%	1.00%
18-month CD	$500+	1.194%	1.20%
24-month CD	$500+	1.391%	1.40%
36-month CD	$500+	1.588%	1.60%
48-month CD	$500+	1.785%	1.80%
60-month CD	$500+	1.982%	2.00%

CD Option	Minimum Balance	Interest Rate	Annual Percentage Yield
Bump-Up CD (25 month)	$500+	0.598%	0.60%
Bump-Up CD (37 month)	$500+	1.094%	1.10%
Bump-Up CD (49 month)	$500+	1.342%	1.35%
Bump-Up CD (61 month)	$500+	1.588%	1.60%

Account	Balance	Interest Rate	Annual Percentage Yield
Super Investor's Money Market Account	$1,000 to $4,999.99	0.100%	0.10%
Super Investor's Money Market Account	$5,000 to $9,999.99	0.150%	0.15%
Super Investor's Money Market Account	$10,000 to $24,999.99	0.200%	0.20%
Super Investor's Money Market Account	$25,000 to $49,999.99	0.300%	0.30%
Super Investor's Money Market Account	$50,000 to $99,999.99	0.399%	0.40%
Super Investor's Money Market Account	$100,000 to $249,999.99	0.499%	0.50%
Super Investor's Money Market Account	$250,000+	0.995%	1.00%
Super Investor's IRA Account	$1,000 to $4,999.99	0.150%	0.15%
Super Investor's IRA Account	$5,000 to $9,999.99	0.200%	0.20%
Super Investor's IRA Account	$10,000 to $24,999.99	0.250%	0.25%
Super Investor's IRA Account	$25,000 to $49,999.99	0.349%	0.35%
Super Investor's IRA Account	$50,000 to $99,999.99	0.449%	0.45%
Super Investor's IRA Account	$100,000 to $249,999.99	0.549%	0.55%
Super Investor's IRA Account	$250,000+	1.045%	1.05%

Account	Balance	Interest Rate	Annual % Yield
IRA 3 month CD	$500+	0.449%	0.45%
IRA 6 month CD	$500+	0.847%	0.85%
IRA 12 month CD	$500+	1.045%	1.05%
IRA 18 month CD	$500+	1.243%	1.25%
IRA 24 month CD	$500+	1.440%	1.45%
IRA 36 month CD	$500+	1.638%	1.65%
IRA 48 month CD	$500+	1.834%	1.85%
IRA 60 month CD	$500+	2.031%	2.05%

CD Option	Interest Rate	Annual Percentage Rate
25 Month IRA Bump-Up CD	0.598%	0.60%
37 Month IRA Bump-Up CD	1.094%	1.10%
49 Month IRA Bump-Up CD	1.342%	1.35%
61 Month IRA Bump-up CD	1.588%	1.60%

Account	Balance	Interest Rate	Annual % Yield
Regular Share	$0.01 to $99.99	0.000%	0.00%
Regular Share	$100+	0.100%	0.10%
Tomorrow Share	$0.01 to $99.99	0.000%	0.00%
Tomorrow Share	$100+	0.100%	0.10%
No Dividend Shares	$0.01+	0.000%	0.00%
IRA savings - Traditional & Roth	$0.01+	0.200%	0.20%

Account	Balance	Interest Rate	Annual % Yield
Northwest Checking and Northwest Secure Checking	Qualification met*	0.300%	0.30%
Northwest Checking and Northwest Secure Checking	Qualification not met*	0.000%	0.00%
Northwest Passage Checking	$100+	0.000%	0.00%

Personal Checking Monthly Fees
Northwest Checking	Free
Northwest Secure Checking	$4.00
Essential Checking (with eStatements)	$8.00
Essential Checking (if not signed up for eStatements)	$9.00

Related Checking Fees (personal or business)
Stop payment, per item, per range or sequence	$28.00
Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)	$28.00
Overdraft transfer fee, per occurrence	$3.00

Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP network ATM	$1.50
New card issuance and anniversary date thereafter	$10.00

Credit/Debit Cards
Copies of charge slips (per transaction)	$10.00
Replace card	$5.00
Emergency card issuance	$50.00

Wire Transfers
Direct wire transfers inside the USA	$25.00
Direct wire transfers outside the USA	$55.00

Miscellaneous
Membership fee	$10.00
Closing checking or savings within 180 days of opening account	$15.00
Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)	$5.00 per month
Dormant account fee (no activity on any of your accounts for more than one year)	$5.00 per month
Single service fee (member only has savings account with less than $100 and is age 19 or older)	$5.00 per month
Undeliverable or incorrect statement address	$5.00
Foreign item fee	$25.00
Garnishment processing fee (per item)	$50.00
Research, copies, or account reconciliation, per half hour ($5 minimum)	$15.00
Returned checks on another person's account at another institution	$10.00
Returned checks on your account at another institution	$25.00
Phone loan payment using non-NWCU card	$10.00
Expedited title fee	$15.00
Cashier's checks (first check per day is free)	$2.00 per check
Declaration of loss (cashier's check)	$25.00
Check cashing (member only has savings account with less than $100 and is age 19 or older)	10% of check or $10 maximum
Skip payment request (via eBanking)	$30.00
Skip payment request (via branch)	$40.00

Save & Spend

The Pacific Northwest knows how to save for a rainy day.

Secure your phone, identity, and credit score with Northwest Secure™ Checking.

Get to Know Our Options for Saving & Spending Wisely

Regular Savings

Tomorrow Savings

IRA Savings

Northwest Checking™

Northwest Secure™ Checking

Northwest Passage Checking

Super Investor's Money Market Account

Super Investor's IRA Money Market

Certificates of Deposit

Variable Rate Add-On CDs

Call (800) 452-9515 or visit a local branch to open a Save to Win account today.

IRA Savings

Super Investor's IRA Money Market

IRA (Traditional & Roth) CDs

IRA (Traditional & Roth) Variable Rate Add-On CDs

Youth Share Savings

Youth Northwest Checking

Youth Certificates of Deposit (CD)

eBanking

eStatements

BillPay

Android Pay™, Apple Pay™, and Samsung Pay®

CardValet®

Savings with every swipe.

Use Round Up & Save to add to your savings every time you use your debit card.